Percentage of adults with an account (self or together with someone else) at a bank, credit union, another financial institution (e.g., cooperative, microfinance institution), or the post office (if applicable) including adults who reported having a debit card to total adults. Asli Demirgüç-Kunt and Leora Klapper, 2012. “Measuring Financial Inclusion: The Global Findex,” World Bank Policy Research Working Paper 6025)